|
|
| *Loan,banking and credit>>>homeowner insurance |
Need Homeowners Insurance but have three Pit bulls, do I have to disclose this information when applying? |
I have three pitbulls that I have had for five years. Now I am trying to buy a house and I know it's going to be a problem trying to get HO Ins. Is there any way around getting the ins. with the dogs? Well, if you don't mention them, they won't cover you when you get sued my someone, if your dogs attack.Unfortunately, no. Coming from a pitbull owner and lover myself, you definitely have to disclose all your information, especially those dogs considered 'dangerous'. If not, you could get in serious trouble later on. It's best to buck up and tell them and pay the little bit more you have to. not unless you keep them at someone elses house Unfortunately no, if you are found out it can lead to helfty fines or losing your insurance all together. Go to an independent insurance agent, they can shop around and you get the best deal, with the dogs, That is what my parents did when they bought their new house, they rescue Rotts, I believe they have Allstate. You get around this by lying. Problem is, if you make a claim against your policy and they find out, not only will your claim be denied, they may decide to sue YOU for fraud. Your claim may not even have anything to do with the dogs, lets say a backyard shed catches fire. If an adjuster comes and sees evidence of a dog, and this information was required by your policy application, this may cancell out ALL your coverage and may affect your ability to get coverage in the future. Best bet is to fill out any information they ask for. Even if you think it's none of your business, if you sign the bottom of the application that the information is true, they can sue you for perjury if it is not. The problem with lying is that you have to maintain the lie. Not an easy thing to do for an extended period of time. AND, you have to get the whole rest of the world to lie for you. Not possible. All it will take to catch you at a lie will be a few questions asked of your neighbors on either side of you. And the ones behind. And the ones at the corners of your property. And the ones across the street. And their kids and their friends. Even you, yourself recognize the risks, as indicated by the fact that you mention Pit Bulls, by breed. If they are genuinely no risk to you or anyone else, then there is no reason to lie. If the dogs even MIGHT be a risk, all the more reason to include their presence on the application. If you are going to be a responsible dog owner, you MUST own up to it and pay the extra money. It's a choice you made when you took on that particular breed. Also, you may want to check on BSL in the area you are looking to move. That's Breed Specific Legislation, some communities have banned dangerous breeds such as pits, presos, corsos, brasileros, etc. The dogs that are used for fighting and killing people. |
| Tags |
| auto insurance car insurance automobile insurance boat insurance burial insurance homeowner insurance house insurance contents insurance liability insurance life insurance disability insurance |
SiteMap--Copyright/IP Policy--Contact Webmaster For personal non-commercial use only. |